Exhibit 34.1



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|LOGO |  |  |  |  |  | Deloitte & Touche LLP JPMorgan Chase Tower 2200 Ross Ave, Suite 1600
Dallas, TX 75201-6778 USA
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REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

Board of Directors and Shareholders

Santander Consumer USA Inc.

Dallas, Texas

We have examined
managements assertion, included in the accompanying Managements Report on Assessment of Compliance with SEC Regulation AB Servicing Criteria, that Santander Consumer USA Inc. (the Company) complied with the servicing
criteria set forth in Item 1122(d) of the Securities and Exchange Commissions Regulation AB for all privately and publicly issued auto loan asset-backed securities transactions issued since 2007 for which the Company acted as
servicer involving auto loans (the Platform) as of and for the year ended December 31, 2012, excluding criteria 1122(d)(2)(iii), 1122(d)(2)(vi), 1122(d)(4)(ii), 1122(d)(4)(ix), 1122(d)(x), 1122(d)(xi), 1122(d)(xii), and
1122(d)(xiii), for securitizations serviced by the Company, and excluding criteria 1122(d)(2)(i), 1122(d)(2)(iii), 1122(d)(2)(vi), 1122(d)(4)(i), 1122(d)(4)(ii), 1122(d)(4)(iv), 1122(d)(4)(v), 1122(d)(4)(vi), 1122(d)(4)(vii),
1122(d)(4)(viii), 1122(d)(4)(ix), 1122(d)(4)(x), 1122(d)(4)(xi), 1122(d)(4)(xii), 1122(d)(4)(xiii), and 1122(d)(4)(xiv), for securitizations that are sub-serviced, which management has determined are not applicable to the activities performed by the
Company with respect to the Platform. Appendix A to managements assertions identifies the individual asset-backed transactions defined by management as constituting the Platform. Management is responsible for the Companys compliance
with the servicing criteria. Our responsibility is to express an opinion on managements assertion about the Companys compliance with the servicing criteria based on our examination.

Our examination was conducted in accordance with attestation standards established by the American Institute of Certified Public Accountants, as adopted
by the Public Company Accounting Oversight Board (United States) and, accordingly, included examining, on a test basis, evidence about the Companys compliance with the applicable servicing criteria, including tests on a sample basis of the
servicing activities related to the Platform, determining whether the Company performed those selected activities in compliance with the servicing criteria during the specified period, and performing such other procedures as we considered necessary
in the circumstances. Our procedures were limited to selected servicing activities performed by the Company during the period covered by this report and, accordingly, such samples may not have included servicing activities related to each specific
asset-backed transaction included in the Platform. Further, an examination is not designed to detect noncompliance arising from errors that may have occurred prior to the period specified above that may have affected the balances or amounts
calculated or reported by the Company during the period covered by this report. We believe that our examination provides a reasonable basis for our opinion. Our examination does not provide a legal determination on the Companys compliance with
the servicing criteria.

In our opinion, managements assertion that the Company complied with the aforementioned applicable servicing
criteria as of and for the year ended December 31, 2012 for the Platform is fairly stated, in all material respects.



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March 25, 2013



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